The top-rated disability insurance agent in Holyoke, Massachusetts is The Dowd Insurance Agencies & Dowd Financial Services, rated 4.9 stars across 186 reviews. Other highly rated options include Lawler Insurance Agency, Gillis Insurance Inc, CHI Insurance Agency Inc.. This directory lists 15 disability insurance agents serving Holyoke.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Dowd Insurance Agencies & Dowd Financial Services | 14 Bobala Rd | (413) 538-7444 |
| 2 | Lawler Insurance Agency | 1 Main St | (413) 532-0305 |
| 3 | Gillis Insurance Inc | 290 High St | (413) 536-1294 |
| 4 | CHI Insurance Agency Inc. | 416 Main St | (413) 536-2685 |
| 5 | Rewarding Insurance Agency | 284 Maple St Suite 1 | (413) 359-2771 |
| 6 | PNCU Insurance Services | 270 Westfield Rd | (413) 532-3615 |
| 7 | Goss & McLain Insurance Agency, Inc. | 59 Bobala Rd | (413) 534-7355 |
| 8 | Webber and Grinnell Insurance, an Alera Group Company | 98 Lower Westfield Rd #301 | (413) 536-8380 |
| 9 | Bresnahan Insurance Agency, Inc. | 100 Whiting Farms Rd | (413) 536-0536 |
| 10 | Estrella Insurance | 580 Appleton St | (413) 306-5739 |
The Dowd Insurance Agencies & Dowd Financial Services serves the Holyoke, Massachusetts, metro area and surrounding communities as a disability insurance agent. This agency assists clients in evaluating various policy options designed to replace a portion of income if an illness or injury prevents them from working. The business works with individuals to assess personal coverage needs and compare plan features from multiple insurers. It handles both short-term and long-term disability insurance policies to help local residents protect their earnings.
Lawler Insurance Agency provides disability insurance services to individuals and professionals in Holyoke, Massachusetts. The agency helps clients assess their need for income protection and offers guidance in selecting appropriate disability coverage plans. Regular policy reviews ensure that coverage remains aligned with changing career or health circumstances. Support is available to assist with understanding plan provisions and filing claims when necessary. The agency services the disability insurance needs of single-family homeowners, apartment tenants, retail workers, and restaurant employees throughout the Holyoke area.
Serving Holyoke and the surrounding Pioneer Valley communities, Gillis Insurance Inc specializes in disability insurance agent services, helping individuals and businesses in the area secure income protection policies. The agency guides clients through the process of evaluating coverage options tailored to local employment needs. To handle a typical job, it assesses each client’s specific risk factors and income requirements before presenting policy selections from its available carriers.
CHI Insurance Agency Inc. serves homeowners, business owners, and property managers seeking disability income protection in Holyoke, Massachusetts. The agency helps clients evaluate short-term and long-term disability policies to safeguard their earnings against unexpected illness or injury. It explains how benefit amounts, elimination periods, and coverage durations affect each unique situation. This guidance assists local residents and commercial operators in structuring financial security. CHI Insurance Agency also covers the broader metro area, including the neighboring community of Chicopee.
Rewarding Insurance Agency in Holyoke, MA offers both one-time consultations to evaluate a client’s existing disability coverage and recurring service plans that monitor policy needs over time. Their work focuses on securing income replacement should an illness or injury prevent employment, helping local residents understand policy terms and exclusions. Service appointments for disability insurance agent assistance are available on a scheduled basis, tailored to each client’s ongoing needs or as-needed review requests.
PNCU Insurance Services focuses on disability insurance coverage for Holyoke residents, helping them protect their income in case of illness or injury. The agency guides clients through policy options that provide monthly benefits when a medical condition prevents them from working. Its general service work includes evaluating individual needs, comparing plans from multiple carriers, and assisting with application processes for long-term or short-term disability policies. During the seasonal shift to snow-related accidents in winter, it helps clients review coverage for potential injuries from slips on ice or outdoor labor incidents.
As the seasons change in Holyoke, residents often reassess how their plans would hold up if illness or injury kept them from working. Goss & McLain Insurance Agency, Inc. helps local professionals and families navigate this uncertainty by sourcing disability insurance policies that replace lost income during recovery. Each client’s situation is unique, so the agency partners with carriers that offer tailored benefits and waiting periods. To begin, a straightforward review of the client’s current coverage gaps and income needs is conducted during a personalized initial consultation.
Webber and Grinnell Insurance, an Alera Group Company in Holyoke, assists professionals and individuals in understanding and securing disability insurance coverage. Their work focuses on income protection policies that provide financial stability when an illness or injury prevents someone from working. The firm advises clients on the specific policy terms that best match their personal or business needs, evaluating benefit amounts and waiting periods. This disability insurance agency serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Bresnahan Insurance Agency, Inc. serves residential clients in and around Holyoke, MA, by arranging disability insurance that protects personal income during illness or injury. The agency also provides commercial disability coverage for local businesses seeking to safeguard their operations and key employees. Their service area extends throughout Hampden County and the surrounding Pioneer Valley communities. After placing a policy, representatives typically contact clients annually to review coverage and adjust plans as life circumstances change, ensuring ongoing protection between regular office visits.
Estrella Insurance is known for helping clients in Holyoke, Massachusetts, secure income protection through disability insurance. It assesses the specific needs of local professionals to match a policy that covers a portion of their earnings if an injury or illness prevents them from working. The company also guides policyholders through the claims process to clarify benefit durations and waiting periods. For added financial security, it can bundle disability coverage with a critical illness rider.
What Does a a Disability Insurance Agent in Holyoke Cost?
Disability insurance premiums in Massachusetts typically range from 1% to 3% of your annual income. For a 40 year old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Holyoke
Disability insurance agents in Holyoke Massachusetts help individuals and businesses find coverage that protects income if injury or illness prevents work. Massachusetts requires employers to provide short-term disability benefits under the state Paid Family and Medical Leave program. A local agent can explain how private policies supplement state benefits and meet specific needs.
Frequently Asked Questions
What does a disability insurance agent in Holyoke do?
A disability insurance agent helps you compare policies from different carriers, explains coverage options, and assists with the application process. They can also guide you on how Massachusetts Paid Family and Medical Leave interacts with private disability plans.
How do Massachusetts disability insurance laws affect my policy?
Massachusetts requires employers to offer short-term disability through the state PFML program, but private policies can provide additional benefits. Agents help you understand waiting periods, benefit amounts, and how state law defines total disability.
What should I bring to a meeting with a disability insurance agent in Holyoke?
Bring your current pay stubs, tax returns, and any existing disability or health insurance policies. Also have a list of your job duties and any medical conditions, as these factors influence policy pricing and eligibility.